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Company Analysis

John Marshall Bancorp, Inc. JMSB

A comprehensive view of key metrics, scores, and financial health for John Marshall Bancorp, Inc.

Overview of John Marshall Bancorp, Inc.

JMSB NCM
Financial Services Banks - Regional Small Cap
John Marshall Bancorp, Inc. (JMSB), is a Small Cap company, in the Banks - Regional industry, last closed at $21.62, about 12.1% overvalued vs fair value, +27.2% 1Y return, ranked 856/1037 in sector.
Metrics Rev Growth 116.3% ROE 8.3% Gross Margin 52.8%
$21.62
-0.69%
As of April 28, 2026
Previous close • Vol 90d: 23.7%
52-Week Range
Market Cap
$307.30M
Enterprise Value
$262.10M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.johnmarshallbank.c...
HQ Reston, VA
Employees 139
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $21.62 -12% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$109.7M
9.2%%
Interest Expense
$52.7M
Net Interest Income
$50.7M
0.9%%
Total Revenue
$115.3M
116.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.9%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.6M
21.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating John Marshall Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing JMSB's balance between Growth (46.7%), Profitability (18.7%), and Safety (34.7%). Growth 47% Safety 35% Profitability 19%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

60th percentile vs peers
60
Key Signals
EPS Growth YoY 2.31 96p Asset Growth YoY 4.4% 53p NII Growth YoY 0.9% 48p Equity Growth YoY 7.3% 53p
Strengths
  • EPS Growth YoY in top 20% of peers (2.31, 96th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

24th percentile vs peers
24
Key Signals
Strengths
Risks
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Safety

44th percentile vs peers
45
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for John Marshall Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.01
- - -
-12.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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